What Affects Your Trucking Insurance Rates?
Every trucking operation is unique. Here are the key factors that determine your insurance quote and why your rate may differ from another carrier’s.
Your quote is always 100% free and does not affect your credit score.
FACTORS THAT IMPACT YOUR RATE
Driving History
Your MVR is one of the biggest pricing factors. Fewer violations and clean safety records typically lead to significantly lower premiums.
1
Type of Commodity
The freight you haul matters. Low-risk goods (general freight, packaged goods) are priced differently than higher-risk commodities (hazmat, heavy equipment, autos).
2
Radius of Operation
Local or intrastate hauling usually costs less than long-distance or multi-state operations due to lower exposure and shorter routes..
3
Number of Units
Single trucks, small fleets, and multi-unit operations are all rated differently. More vehicles = more exposure, but also access to better multi-unit discounts in some programs.
4
Experience & Authority Age
New ventures can expect higher initial rates, but prices typically drop significantly after one to two years of clean operating history.
5
You Don’t Just Get a Quote
You Get Options
As an independent agency with access to dozens of A-rated carriers, we shop the entire market for you. Where most agents give you one quote, we compare multiple carriers, programs, and rates so you choose the best fit for your operation.
✔ No one-size-fits-all pricing
✔ We break down each quote in plain English
✔ We help you find discounts you may not know exist
✔ You never pay more for working with us
